Another option would be to raise your purchase price, say by $3000 and ask for a credit for the same amount for your closing costs. This would free up your cash to pay down some debt.
Here is an example. Say you have written an offer for $150k and it has been accepted. Have your realtor contact the listing agent and ask to ammend the purchase contract so that it reads that you purchase the house for $153k with a credit from the seller for $3000 towards your closing costs. Essentially what you are doing is financing your closing costs. The only problem could be if the house won appraise for the higher amount, but, if not you are not getting a good deal on the house anyway.
This is pretty common, especially as this is a buyers market throughout most of the country. Hope everything works out.